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Flood insurance cost · ZIP 77045 · TX

Flood insurance cost in ZIP 77045 (Houston, TX)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 707 home policies in force on August 31, 2026.

ZIP code 77045 (Houston, TX)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$1,086a year

Half of insured homes paid between $932 and $1,260. That is about the same as the Harris County median ($1,088). Most insured homes here are rated in zone X (98%).

$0$932 · $1,086 · $1,260$1,575
+13.4% vs Aug 31, 2025 (median $958)
707home policies in force
$1,064average cost (mean)
2%of insured homes in high-risk zones (A, V)
$245,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in ZIP code 77045

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$1,046$937–$1,102$1,02216 (2%)+10.1%
Zone X
Moderate to low risk		$1,086$932–$1,260$1,065691 (98%)+13.1%

Not shown (fewer than 10 home policies): VE, A, AO, AH, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in ZIP code 77045, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home704$1,086$1,066
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		29$1,366$1,370
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		37$2,762$3,275

Not shown (fewer than 10 policies): 2–4 unit building, manufactured (mobile) home, condo or apartment unit.

773NFIP policies in force, any building
773insured units (condo association policies count every unit)
94%of home policies also cover contents
$89,000median contents coverage, when bought

One year on: ZIP code 77045

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force831707−14.9%
Median annual cost$958$1,086+13.4%
Average annual cost$949$1,064+12.1%
All policies in force (any building)908773−14.9%

Flood claims history

Since 1978, NFIP policyholders in ZIP 77045 have filed 1,782 flood claims. 1,422 received a payment, for a total of $29.2 million (an average of $20,559 per paid claim). The year with the most claims was 2001 (543 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 34 claims, 28 paid, $187,805 in total19801981: 134 claims, 127 paid, $1,434,711 in total1983: 242 claims, 205 paid, $2,374,663 in total19831985: 28 claims, 26 paid, $213,610 in total1989: 77 claims, 71 paid, $1,047,187 in total19901994: 172 claims, 163 paid, $3,289,309 in total19941997: 88 claims, 76 paid, $849,405 in total20002001: 543 claims, 488 paid, $13,987,073 in total20012002: 13 claims2008: 103 claims, 30 paid, $243,474 in total20102013: 23 claims, 18 paid, $278,500 in total2015: 44 claims, 31 paid, $682,165 in total2016: 12 claims2017: 124 claims, 78 paid, $3,373,710 in total20202024: 23 claims, 16 paid, $658,208 in total
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (15)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
20242316$658,208$41,138
201712478$3,373,710$43,253
201612<10––
20154431$682,165$22,005
20132318$278,500$15,472
200810330$243,474$8,116
200213<10––
2001543488$13,987,073$28,662
19978876$849,405$11,176
1994172163$3,289,309$20,180
19897771$1,047,187$14,749
19852826$213,610$8,216
1983242205$2,374,663$11,584
1981134127$1,434,711$11,297
19793428$187,805$6,707

From 2016 to 2026: 159 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

NFIP communities in this ZIP code

Houston (705 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.